Omniasig
Medicas Perfect
Medicas Perfect is a travel insurance for the RO market with online purchase and 24/7 assistance.
Direct payment
OMNIASIG ASSISTANCE arranges direct payment to medical service providers for covered medical expenses when the insured notifies them prior to or immediately after receiving treatment. If the insured pays directly, reimbursement is made in RON at the BNR exchange rate on the date of the insured event, based on expenses recognized by OMNIASIG ASSISTANCE.
Geographic scope
RO
Valid outside Romania and outside the insured's country of citizenship/residence. Covers Europe or any other continent as specified in the policy. Not valid in Crimea and Sevastopol territories. Professional drivers covered only within Europe.
Unique selling points
- Four tiered insurance programs (A to D) offering medical coverage from 5,000 EUR up to 50,000 EUR, allowing travelers to select coverage matching their destination and risk profile.
- Program D uniquely extends the post-expiry assistance period until full repatriation or health recovery, whichever comes first, rather than a fixed number of days.
- 24/7 OMNIASIG ASSISTANCE available in four languages (Romanian, English, German, French) with direct payment guarantee to hospitals abroad, eliminating the need for out-of-pocket advance payment.
- Emergency coverage for pre-existing conditions included in Programs C and D (up to 3,000 EUR / 3 days in Program C and up to 5,000 EUR / 5 days in Program D), a benefit absent in the entry-level programs.
- Optional deductible-free variant available (without the non-deductible franchise of 100 EUR), covering the totality of eligible medical expenses from the first EUR with a surcharge on the base premium.
Coverage limits
Emergency medical expenses
Covered
Covers emergency medical costs abroad including consultation and diagnostics (including X-ray), treatment and medication (including X-ray treatment), hospitalization, surgical intervention including anaesthesia and use of operating theatre, and ambulance transport. Four programs available: Program A (5,000 EUR), Program B (10,000 EUR), Program C (30,000 EUR), Program D (50,000 EUR).
SourceEmergency medical treatment
Covered
Covers emergency medical services including specialist consultation, diagnostic procedures, treatment and medication prescribed by an authorized physician, provided in the country where the medical emergency occurred, when treatment or surgical intervention cannot be postponed until the insured's return to Romania.
SourceHospitalization
Covered
Hospitalization is covered as part of the emergency medical assistance. In the event of a stroke, the insurance covers emergency costs for a maximum of 14 days from the date of occurrence. The insurer reserves the right to cover hospitalization costs only until the insured's medical condition allows repatriation.
SourceOutpatient treatment
Covered
Covers outpatient emergency medical services including consultation, diagnostic procedures (X-ray), treatment and medication prescribed by an authorized physician, as part of emergency medical assistance provided abroad.
SourceEmergency dental treatment
Covered
Covers emergency dental treatment as a result of an accident or acute crisis. Sublimit applies per event: Program A: 110 EUR; Program B: 150 EUR; Program C: 200 EUR; Program D: 300 EUR. Implants, crowns, and prostheses are excluded.
SourceMedical transport / ambulance
Covered
Covers ambulance transport as part of emergency medical services. Also covers transport to the nearest medical unit and possible transfer, per physician recommendation, to a specialized medical unit. The cost of transport is included within the overall insured sum.
SourceMedical evacuation / repatriation of ill/injured insured
Covered
Covers medical repatriation of the ill or injured insured who is unable to travel independently, including with authorized medical escort if required by the nature of the medical emergency. Repatriation is organized exclusively by OMNIASIG ASSISTANCE. Covered within the total insured sum.
SourceRepatriation of mortal remains
Covered
Covers the transport of the insured's mortal remains to their residence in Romania in the event of death during the insured period. Also covers the coffin procurement and special preparation for transport. Sublimits per program: Programs A & B: 1,000 EUR for coffin; Programs C: 1,500 EUR; Program D: 2,000 EUR. Burial and funeral costs are not covered.
SourceSearch and rescue
Excluded
Search and rescue costs are not explicitly covered under the Medicas Perfect product. The policy covers ambulance transport and medical repatriation, but does not include mountain rescue or search and rescue operations as a standalone benefit.
SourceCOVID-19 treatment
Conditional
COVID-19 is not explicitly mentioned as an exclusion in the Medicas Perfect general conditions. Emergency medical treatment for acute illness arising during the trip would fall under the general emergency medical coverage, subject to the standard exclusions (e.g., epidemics declared prior to the insured's arrival are excluded under some policy versions).
SourcePre-existing conditions (emergency life-saving measures)
Conditional
Pre-existing conditions and pathological states existing before the trip are generally excluded. However, Program C covers emergency measures necessary to save the insured's life for up to 3 days from the onset of the emergency or until a sublimit of 3,000 EUR is reached (whichever comes first), excluding repatriation costs. Program D extends this to 5 days with a sublimit of 5,000 EUR (including repatriation if organized within the 5-day window).
SourceWinter sports cover
Excluded
The Medicas Perfect product excludes participation in competitions, races, rallies and training for them, as well as dangerous activities. Recreational sports (including skiing and snowboarding as amateur leisure activities) are covered under the general emergency medical section, as the policy covers accidents caused by practicing sports in a recreational capacity. Professional sports of any type are excluded.
SourceAdventure / dangerous sports cover
Excluded
Adventure and dangerous sports are explicitly excluded, including acrobatics, diving, climbing, safari, underground work, handling fireworks or explosive materials, hunting, etc. Professional sports of any type (paid or unpaid) are excluded. Only recreational amateur sports are covered under the emergency medical section.
SourcePregnancy complications
Conditional
Pregnancy, childbirth, and voluntary termination of pregnancy are generally excluded. Program B and C cover evident and unforeseen complications occurring before the 28th week of pregnancy caused by accidents or illnesses covered by the insurance. Program D also covers accidents or illnesses caused by such complications before the 28th week of pregnancy.
SourcePersonal liability
Excluded
Personal civil liability is not included in the Medicas Perfect product. This coverage is available under the Safe Travel (Abroad) product which includes a dedicated civil liability section.
SourceLegal assistance
Excluded
Legal assistance is not included in the Medicas Perfect product. This coverage is available under the Safe Travel (Abroad) product which includes a dedicated legal protection section (Section XI).
Source24/7 emergency assistance
Covered
OMNIASIG ASSISTANCE provides 24/7 emergency assistance by phone at +40 21 201 90 31 (from abroad +40 21 777 9669) or fax +40 21 201 90 40. Available permanently. Communication in Romanian, English, German, and French. Covers assistance coordination, medical appointment scheduling, guarantee of hospital payment, and urgent message transmission.
SourceKey conditions
Assistance call deadline
In the case of hospitalization (including surgical intervention) and/or repatriation, the insured must notify OMNIASIG ASSISTANCE within 48 hours of the insured event. For other events without hospitalization or repatriation, the insured may notify OMNIASIG within 30 days of the insured event. Notification is preferred prior to receiving medical services so that OMNIASIG ASSISTANCE can guarantee and directly cover the costs.
Unauthorized treatment
If the insured pays medical expenses directly without prior notification of OMNIASIG ASSISTANCE, reimbursement is limited only to those costs recognized as necessary by OMNIASIG ASSISTANCE. The insurer has the right to refuse payment if the insured fails to comply with the instructions received from OMNIASIG ASSISTANCE.
Purchase while abroad
The policy must be concluded and the insurance premium paid in full and in advance before coverage begins. The policy is not valid if the insured event occurs before the policy enters into force. Coverage begins only after full premium payment.
Chronic conditions
Illnesses or pathological conditions existing before the insured's trip, including their consequences, are generally excluded. Exception: Programs C and D include emergency life-saving measures for pre-existing conditions (Program C: up to 3 days / 3,000 EUR; Program D: up to 5 days / 5,000 EUR).
Pregnancy
Pregnancy, childbirth, and voluntary termination of pregnancy are excluded. Programs B, C, and D cover evident and unforeseen complications occurring before the 28th week of pregnancy caused by insured events (accidents or illnesses). The insured must be below the 28th week of pregnancy for coverage to apply.
pre_existing_conditions
Pre-existing medical conditions are excluded except for emergency life-saving measures in Programs C and D. Program C: emergency medical services up to 3 days / sublimit 3,000 EUR (no repatriation). Program D: emergency medical services up to 5 days / sublimit 5,000 EUR including repatriation if organized within the 5-day window.
coverage_duration_limit
Coverage is valid for the insurance period stated in the policy specification (between 2 and 365 days). If services extend beyond the insurance period expiry, the insured benefits from continued assistance for: Program A/base: up to 7 days after expiry; Program B: up to 10 days; Program C: up to 15 days; Program D: until completion of repatriation or health recovery, whichever comes first. In the event of a stroke, emergency costs are covered for a maximum of 14 days from the date of occurrence.
Policy specifics
Emergency medical services
Coverage for emergency medical treatment abroad including consultation, diagnostics, medication, hospitalization, and surgical interventions due to accident or illness
Medical repatriation
Coverage for return transportation of the insured to Romania or country of residence following accident or illness, including arrangement of special medical accompaniment if needed
Multiple insurance programs
Four graded insurance programs (A, B, C, D) with increasing coverage limits: 5,000 EUR, 10,000 EUR, 30,000 EUR, and 50,000 EUR respectively
Emergency dental treatment
Coverage for emergency dental treatment provided as consequence of accident or acute crisis
Territorial coverage scope
Insurance valid for travel outside Romania and the insured's country of citizenship/residence; coverage extends to Europe or any other continent as specified in policy
Assistance coordination requirement
Insured must contact OMNIASIG ASSISTANCE prior to or immediately after medical treatment to arrange services and obtain authorization; failure to coordinate may limit or deny coverage
Authorized medical facility requirement
Medical services must be provided by authorized medical units in the country where emergency occurred; insured should use facilities approved by OMNIASIG when possible
Travel purpose requirement
Insurance applies only to travel for specific purposes: tourism, business, professional work, or studies; other purposes may void coverage
Medical documentation retention
Insured must preserve all medical receipts, invoices, medical reports, and proof of payment for claim settlement; failure to provide documentation may delay or deny claims